Privacy Policy

Vintora Solutions LLC (“Vintora Solutions LLC”, “we”, “us”, or “our”) is committed to protecting the privacy of our users (“user,” “you,” “client,” or “policyholder”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, obtain insurance coverage from us, or receive financial advisory services from us. This Privacy Policy is provided in compliance with the Gramm-Leach-Bliley Act (GLBA), the New Jersey Insurance Information and Privacy Protection Act, and other applicable federal and state laws governing the privacy of financial and insurance information. Please read this Privacy Policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS OR USE OUR WEBSITE, APPLY FOR INSURANCE COVERAGE, OR ENGAGE OUR FINANCIAL ADVISORY SERVICES. We will provide you with notice of material changes to this Privacy Policy and obtain your affirmative consent where required by applicable law. Your continued use of our services after receiving notice of changes constitutes your acceptance of such changes, except where affirmative consent is required by law.

We reserve the right to make changes to this Privacy Policy at any time and for any reason, subject to applicable law. We will alert you about material changes by updating the “Last Updated” date of this Privacy Policy and, where required by law, by providing direct notice to you. You are encouraged to periodically review this Privacy Policy to stay informed of updates. Material changes will become effective as specified in the notice or as required by applicable law.

Collection of Your Information

We may collect information about you in various ways in connection with your use of our website services, insurance products, and financial advisory services. The information we may collect includes:

Personal Data: Personally identifiable information, such as your name, address, email address, telephone number, date of birth, Social Security number, driver’s license number, financial account information, health information (which we will handle in compliance with applicable HIPAA privacy requirements and state health privacy laws to the extent they apply, and for which we will obtain separate authorizations as required by law), credit information, and other information that you provide to us or that we collect in connection with: (i) insurance applications, underwriting, policy administration, and claims processing; (ii) financial advisory services, including investment advice, financial planning, and portfolio management; (iii) regulatory compliance and reporting obligations; and (iv) other activities related to the services and our insurance and financial services business. We collect this information when you apply for insurance, engage our financial advisory services, submit claims, communicate with us, or otherwise interact with our services. By providing this information, you authorize us to collect, use, and disclose it as described in this Privacy Policy. We will obtain separate, specific authorization for uses not described in this Privacy Policy or as required by applicable law, including GLBA and state insurance privacy laws.

Derivative Data: Information our servers automatically collect when you access the services, such as your IP address, browser type, operating system, access times, and the pages you have viewed directly before and after accessing the services. We may use this information for security purposes, fraud prevention, system administration, and to improve our services. This data may be retained for the period we determine is necessary to fulfill these purposes, comply with legal obligations, and protect our legal rights.

Use of Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. We will use information collected about you only for legitimate business purposes as described in this Privacy Policy and in compliance with applicable laws, including the Gramm-Leach-Bliley Act, New Jersey Insurance Information and Privacy Protection Act, and other applicable privacy regulations. We may use your information for purposes specifically enumerated in this Privacy Policy and as otherwise permitted by applicable law. We will provide notice and obtain consent for material new uses not covered by this Privacy Policy where required by law. Specifically, we may use information collected about you to:

Create and manage your account.
Deliver targeted advertising, coupons, newsletters, and other information regarding promotions, the services, and our insurance and financial services products to you, subject to your marketing preferences and applicable opt-out rights under the Telephone Consumer Protection Act, CAN-SPAM Act, and state telemarketing laws. We may contact you using the contact information you provide, including email, telephone, and text message, in accordance with your communication preferences and applicable law. You may opt-out of marketing communications at any time using the methods described in this Privacy Policy.
Enable user-to-user communications.
Increase the efficiency and operation of the services.
Monitor and analyze usage and trends to improve your experience with the services.
Notify you of updates to the services.
Offer new products, services, and/or recommendations to you.
Perform other business activities as needed.
Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
Process payments and refunds.
Request feedback and contact you about your use of the services.
Resolve disputes and troubleshoot problems.
Respond to product and customer service requests.

Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights: If we believe in good faith that the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. We will use reasonable efforts to limit such disclosures to information that is relevant and necessary for the stated purpose. We will provide notice of such disclosures where required by applicable law.

Third-Party Service Providers: We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. We maintain written agreements with our service providers that require them to maintain the confidentiality and security of your information, use it only for the purposes for which it was disclosed, and comply with applicable privacy and data security laws, including the Gramm-Leach-Bliley Act Safeguards Rule and New Jersey data security requirements. We select service providers carefully and require them to maintain appropriate safeguards. However, we cannot guarantee the security practices of third parties, and we are not liable for their unauthorized access, use, or disclosure of your information, except to the extent we are legally responsible under applicable law.

Marketing Communications: With your express written consent, or with an opportunity for you to opt-out before we share your information, we may share your nonpublic personal information with nonaffiliated third parties for marketing purposes, as permitted by the Gramm-Leach-Bliley Act and applicable state laws. You have the right to opt-out of such sharing at any time by contacting us using the methods described in this Privacy Policy. We will not share your Social Security number, driver’s license number, account numbers, or other sensitive financial information with nonaffiliated third parties for their independent marketing purposes, except as permitted by applicable law or with your express written consent. This does not limit our ability to share such information as necessary for transaction processing, servicing your account, or as otherwise permitted under GLBA exceptions. We may share information with our affiliates as permitted by law, and with service providers who perform services on our behalf under written confidentiality agreements.

Interactions with Other Users: If you interact with other users of the services, those users may see your name, profile photo, and descriptions of your activity, including sending invitations to other users, chatting with other users, liking posts, and following blogs. By using interactive features of the services, you expressly consent to this information being visible to other users and acknowledge that such information may be used by other users for any purpose. We are not responsible for how other users use or disclose information you choose to share through these interactive features, and you hereby release Vintora Solutions LLC from any and all claims arising from such use or disclosure.

Online Postings: When you post comments, contributions, or other content to the services, your posts may be viewed by all users and may be publicly distributed outside the services in perpetuity. You should not post any confidential, proprietary, or sensitive information, including information about your insurance coverage, financial accounts, health conditions, or other personal matters. We are not responsible for any consequences resulting from your decision to post information publicly, and we reserve the right to remove any content at our sole discretion.

Third-Party Advertisers: We may use third-party advertising companies to serve ads when you visit the services. These companies may use information about your visits to the services and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you. By using the services, you expressly consent to the collection and use of your browsing information by third-party advertisers as described herein, and you acknowledge that such data collection may occur across multiple websites and platforms for targeted advertising purposes. We are not responsible for the privacy practices of these third-party advertisers, and we do not control the content of advertisements displayed on the services. Your interactions with third-party advertisements are governed by the privacy policies of those third parties. We make no representations or warranties regarding the accuracy, legality, or appropriateness of third-party advertisements, and you acknowledge that your reliance on such advertisements is at your sole risk. You hereby release and hold harmless Vintora Solutions LLC from any claims arising from third-party advertisements, including but not limited to misleading content, fraudulent offers, or data misuse by advertisers.

Other Third Parties: We may share your information with investors, potential investors, lenders, underwriters, advisors, and other parties in connection with any business transactions, such as mergers, sales of company assets, financings, acquisitions of all or a portion of our business by another company, or due diligence activities related to such transactions. You consent to such disclosure and acknowledge that such parties may use your information to evaluate the transaction. You further acknowledge that such disclosure may include sensitive financial information, health information (where applicable), and personally identifiable information, and that such parties may retain your information for their records even if the transaction does not proceed. You waive any claims against Vintora Solutions LLC arising from such disclosures made in good faith in connection with legitimate business transactions.

Sale or Bankruptcy: If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party. You acknowledge and expressly consent to such transfers. Any transferee will be required to honor the commitments we made in this Privacy Policy or provide you with notice and choice regarding material changes to privacy practices, except where such notice is not required by applicable law or is impracticable due to bankruptcy or insolvency proceedings. However, Vintora Solutions LLC makes no warranties or guarantees regarding any transferee’s compliance with these requirements, and you acknowledge that Vintora Solutions LLC shall have no liability for any transferee’s failure to honor these commitments or for any subsequent use or disclosure of your information by such transferee. For clients with active insurance policies or financial advisory agreements, any such transfer will be subject to the terms of your policy or agreement and applicable insurance and securities regulations, and we will use commercially reasonable efforts to provide advance notice as required by law and your policy or agreement terms, except where such notice is prohibited by law, court order, or is impracticable due to the circumstances of the transaction. Vintora Solutions LLC shall have no liability for failure to provide such notice where circumstances beyond our reasonable control prevent such notification, including but not limited to emergency transactions, court-ordered sales, or situations where providing notice would violate confidentiality obligations or jeopardize the transaction.

We are not responsible for the actions of third parties with whom you independently choose to share personal or sensitive data, and we have no authority to manage or control third-party solicitations. You hereby irrevocably release and hold harmless Vintora Solutions LLC, its officers, directors, employees, agents, affiliates, successors, and assigns from any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to your decision to share information with third parties or from third-party use, disclosure, or misuse of such information, regardless of whether such third-party relationship was facilitated through the Software or arose independently. If you no longer wish to receive correspondence, emails, or other communications from third parties, you are solely responsible for contacting the third party directly, and Vintora Solutions LLC has no obligation to assist with or facilitate such requests.

Tracking Technologies and Cookies

Cookies and Web Beacons: We may use cookies, web beacons, tracking pixels, and other tracking technologies on the Website to help customize the Website and improve your experience. When you access the Website, your directly identifiable personal information is not collected through the use of tracking technology. However, such technology may collect usage data, device information, and IP addresses. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the Website. By continuing to use the Website without disabling cookies, you affirmatively consent to our use of cookies and tracking technologies as described herein, and you acknowledge that such consent extends to both first-party and third-party cookies, including those used for advertising, analytics, and cross-site tracking purposes. You further acknowledge that disabling cookies may result in limited functionality or inability to access certain features of the Software.

Internet-Based Advertising: Additionally, we may use third-party software to serve ads on the Website, implement email marketing campaigns, and manage other interactive marketing initiatives. This third-party software may use cookies or similar tracking technology to help manage and optimize your online experience with us. We require our third-party service providers to comply with applicable privacy and data security laws, including the Gramm-Leach-Bliley Act, HIPAA (where applicable), and New Jersey data security requirements. We maintain written agreements with such providers that: (i) prohibit the provider from using or disclosing customer information except as necessary to perform services for us; (ii) require the provider to implement appropriate security measures; and (iii) require the provider to report any security incidents or breaches to us promptly. Notwithstanding the foregoing, Vintora Solutions LLC shall not be liable for any acts, omissions, breaches, or failures of third-party service providers, and you hereby irrevocably release and hold harmless Vintora Solutions LLC, its officers, directors, employees, agents, and affiliates from any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to third-party provider conduct, including but not limited to data breaches, unauthorized access, misuse of information, failure to comply with contractual obligations, or violations of applicable law by such providers. This release applies even if Vintora Solutions LLC selected, vetted, or recommended the third-party provider.

Third-Party Websites

Our services may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave our services, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services, or applications that may be linked to or from the Software. We do not endorse and are not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on third-party sites. You acknowledge and agree that any reliance on third-party content is at your sole risk. To the extent permitted by applicable law, you hereby release and hold harmless Vintora Solutions LLC from any claims, damages, or losses arising from your use of or reliance on third-party websites, services, or content, including but not limited to financial losses, identity theft, data breaches, or receipt of inaccurate information. Vintora Solutions LLC makes no representations or warranties regarding third-party sites and expressly disclaims all liability for third-party content, even if such sites are linked from or recommended through our services.

Security of Your Information

We use administrative, technical, and physical security measures designed to protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot and do not guarantee complete security of your information. By using our services, you expressly acknowledge and accept the inherent risks and limitations of electronic data transmission and storage security, and you agree that Vintora Solutions LLC shall have no liability for any unauthorized access, data breach, or security incident except to the extent caused by Vintora Solutions LLC’s negligence, gross negligence, or willful misconduct, or as otherwise required by applicable law. You further acknowledge that you assume all risk of data loss, theft, or unauthorized access to the extent permitted by applicable law, and you waive any claims against Vintora Solutions LLC arising from security incidents except as required by applicable law or where Vintora Solutions LLC has breached its duty of care. However, we maintain comprehensive information security programs designed to comply with the Gramm-Leach-Bliley Act Safeguards Rule, New Jersey insurance data security requirements, and industry best practices for protecting financial and health information. We will notify you of any security breach affecting your personal information as required by applicable law.

Policy for Children

We do not knowingly solicit information from or market to children under the age of 13. Our services are not intended for use by individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as reasonably possible, subject to our legal and regulatory obligations. If you become aware of any data we may have collected from children under age 13, please contact us using the contact information provided below. Vintora Solutions LLC shall have no liability for any inadvertent collection of information from children under 13, provided we take corrective action upon discovery within the timeframes required by applicable law.

Controls for Do-Not-Track Features

Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. However, you may exercise choices about tracking through your browser settings and available industry opt-out mechanisms. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy. Vintora Solutions LLC reserves the right to implement or modify tracking technologies at its sole discretion, subject to applicable law and user consent where required. Vintora Solutions LLC shall not be liable for any technical limitations or failures in responding to user tracking preferences, except where such failures result from Vintora Solutions LLC’s negligence or violation of applicable law.

Options Regarding Your Information

Account Information: You may at any time review or change the information in your account or terminate your account by:

Logging into your service account settings and updating your account.
Contacting us using the contact information provided.

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases within the timeframes required by applicable law, except as otherwise required by law or contractual obligations. However, we may retain certain information as necessary to prevent fraud, troubleshoot problems, assist with investigations, enforce our Terms of Use and other agreements, comply with legal and regulatory requirements (including insurance and financial services regulations), maintain business records, defend legal claims, and take other actions permitted by law. Retained information may include transaction histories, communications, and records necessary for insurance underwriting, claims processing, financial advisory services, regulatory compliance, and audit purposes. Vintora Solutions LLC shall have no liability for retention of data as expressly permitted or required by applicable law, regulation, or contractual obligation under this provision, provided such retention complies with applicable data protection requirements.

Emails and Communications: If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:

Noting your preferences at the time you register your account with our services.
Logging into your account settings and updating your preferences.
Contacting us using the contact information provided.

If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly. We are not responsible for the privacy practices, content, actions, or omissions of third parties, and any information you provide to third parties is governed by their privacy policies. To the extent permitted by applicable law, Vintora Solutions LLC makes no representations or warranties regarding third-party privacy practices and expressly disclaims liability arising from your interactions with third parties, including but not limited to data breaches, unauthorized disclosures, or misuse of your information by such third parties, except where Vintora Solutions LLC has negligently selected or recommended such third parties or has actual knowledge of their harmful practices. You acknowledge and agree that Vintora Solutions LLC generally has no control over third-party practices and that your use of third-party services is at your own risk, subject to applicable consumer protection laws.

Contact Us

If you have questions or comments about this Privacy Policy, or if you wish to exercise any rights you may have under applicable data protection laws (including rights related to insurance policies, financial advice services, or underwriting activities), please contact us at the address below. Vintora Solutions LLC will respond to requests within the timeframes required by applicable law. Vintora Solutions LLC will verify your identity before responding to requests using reasonable verification methods. Vintora Solutions LLC may deny or charge a reasonable fee for requests that are clearly excessive, repetitive, or manifestly unfounded under applicable law, and will provide written explanation for any denial, or that would require disproportionate effort to fulfill.

Vintora Solutions LLC LLC
Attention: Data Protection Officer / Chief Privacy Officer
Email: info@vintorasolutions.com
Phone: [Insert Phone Number]
[Complete Physical Address including Street, City, State, ZIP Code]

Vintora Solutions LLC will use commercially reasonable efforts to acknowledge receipt of communications sent to the above addresses within three (3) business days of actual receipt, subject to system availability and force majeure events.

For insurance-related privacy matters, you may also contact:

New Jersey Department of Banking and Insurance
[Insert NJDOBI Contact Information]

Last Updated: March 11, 2026

Vintora Solutions LLC reserves the right to modify this Privacy Policy, subject to applicable legal requirements and contractual obligations under insurance policies and financial advisory agreements. We will notify clients of material changes by: (i) posting the updated Privacy Policy on our website with a new “Last Updated” date; (ii) sending direct written notice via email or postal mail to the last address on file for clients with active insurance policies or financial advisory relationships; and (iii) where required by law, obtaining your affirmative consent or providing you with an opportunity to opt-out of such changes before they take effect. Clients should maintain current contact information with Vintora Solutions LLC to ensure receipt of important notices. For clients with active insurance policies, we will provide at least thirty (30) days’ advance notice of material changes that may affect coverage terms or data handling practices related to underwriting, except where immediate changes are required by law, regulation, or court order. For clients without active insurance policies or ongoing financial advisory agreements, your continued use of our services after any modifications to this Privacy Policy constitutes your acceptance of such changes. If you do not agree to the modified Privacy Policy, you may discontinue use of our services.

For clients with active insurance policies or financial advisory agreements, material changes to this Privacy Policy will not apply to your existing policy or agreement unless you provide affirmative consent or as otherwise required or permitted by applicable insurance regulations and your policy terms. We encourage you to review this Privacy Policy periodically. In addition to this Privacy Policy, clients with insurance policies will receive annual privacy notices as required by the Gramm-Leach-Bliley Act and applicable state insurance laws, and clients receiving financial advisory services will receive privacy notices as required by applicable securities and financial services regulations.

This Privacy Policy is subject to and should be read in conjunction with the privacy provisions contained in your insurance policy or financial advisory agreement, if applicable. In the event of any conflict between this Privacy Policy and the terms of your insurance policy or financial advisory agreement, the terms of such policy or agreement shall control with respect to information collected, used, or disclosed in connection with such policy or agreement.

SMS Consent

Customers opt in to receive text messages by:

Submitting their phone number through contact, inspection request, or service inquiry forms on https://vintorasolutions.com, and
Explicitly agreeing to receive SMS messages by checking an opt-in consent box.

Message frequency may vary. Message and data rates may apply.

Opt-Out & Help

You may opt out of SMS messages at any time by replying STOP.
For assistance, reply HELP.

We do not send SMS messages without consent, and we do not share phone numbers with third parties for marketing purposes.